Country Financial vs. Omni: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Country Financial offers significantly more affordable rates than Omni
• Country Financial tends to be a much cheaper option for residents of suburban areas
• Omni may help you save more money -- they offer more discounts than COUNTRY Financial

Country Financial or Omni: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Country Financial or Omni for your next policy, but between the two, which one has less expensive prices for auto insurance?

As you can see, Omni has average rates that are around 24% a month more expensive than those from Country Financial when looking at the national average rates for car insurance.

But Country Financial may not be the cheapest or best option for every driver out there. Insurance carriers vary their rates depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and all sorts of other factors, so prices could vary drastically from person to person.

So, if you want to find out which of Country Financial or Omni is really the best for you, keep reading to see average premiums for each carrier broken down by several different rate factors.

Country Financial vs. Omni: Average Car Insurance Rates by State

Country Financial and Omni only compete against each other in one states, with Country Financial offering more affordable rates to the average driver in all of them. Alabama has the most noticable difference, where Country Financial prices are $85 cheaper than auto insurance premiums at Omni.

That being said, there's a lot more that goes into your insurance payment than just the state you live in. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 45% less per month by choosing Country Financial over Omni.

However, with both companies, you'll see your premiums decrease significantly by the time you turn 25.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable auto insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

When looking at Country Financial and Omni specifically, which company is best for retired drivers? Country Financial gets the edge, with prices for drivers 65 and older $27 less expensive than the national average for Omni.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married couples. This usually boils down to married policyholders having more than one vehicle on their policy -- something several insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Country Financial prices coming in at a quarter less than Omni's. The advantage for married drivers with Country Financial is also obvious, where drivers save almost 15% a month.

Country Financial or Omni: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, women generally pay less for auto insurance than men.

Normally, women see rates about 2% per month less with Country Financial, and around 8% less with Omni.

Looking at the data for each carrier specifically, Country Financial comes out on top for both men and women. On average, male drivers save about $49 a month and women save about $37 with Country Financial compared to the average Omni policyholder.

Country Financial vs. Omni: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that car insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, Country Financial has the edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging around $194 per month to Omni's $258.

Is Country Financial or Omni Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their car insurance can normally expect their monthly bill to go up about 23% after getting a speeding ticket. Omni policyholders can expect a less drastic increase of around 4%.

Even so, Country Financial is usually the more affordable option for both drivers who have clean records and those with a recent ticket, offering premiums that are 38% and 22% less expensive, respectively, compared to Omni Insurance.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in an accident can expect to see their rates rise by just under 30%, while those who have insurance through Omni will see about a 15% increase.

At the end of the day, drivers who use Country Financial end up with the cheaper prices after an accident, with average prices coming in at $147 compared to Omni Insurance's $203.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Country Financial drivers usually see a 36% raise in their insurance premiums after a DUI charge, while Omni will typically climb rates by around 6%.

But if you end up with a DUI charge and are looking for more affordable prices, Country Financial tends to be cheaper for the average driver, with monthly premiums coming in at about $165 to Omni's $178.

How does Credit Score Impact Country Financial and Omni Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for quite a few policyholders.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the lowest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Country Financial will generally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in nearly 28.4 more affordable. Drivers with "good" credit scores normally save around 31% with Country Financial compared to average rates from Omni.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Omni when it comes to drivers with bad credit. Drivers with "fair" credit pay about 31% a month less with Country Financial compared to Omni, and those with "poor" scores usually save an average of around 7% monthly.

Is Country Financial or Omni Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. Typically, the more milage you drive, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Omni charges. However, there's a small difference in monthly rates for Country Financial, with drivers who put 6,000 miles on their vehicle yearly paying about $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Country Financial is the cheaper carrier.

Country Financial or Omni: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly car insurance bill. Usually, those who live in urban areas will pay more than policyholders in rural areas because of the number of cars that are on the roads where they live.

Country Financial boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, COUNTRY Financial's average prices are around $92 less than Omni Insurance. People who live in suburban areas pay about $12 less with Country Financial compared to Omni. Those in rural areas can expect to save around $25 with Country Financial compared to Omni.

Country Financial vs. Omni Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Country Financial and Omni offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Omni has advantage when it comes to total number of discounts. Country Financial offers a grand total of 10 discounts, while Omni has 13.

There are a couple discounts both companies offer, but Omni also offers discounts for advance quote, agency transfer, cellphone safety, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like driver training discounts, good student discounts, multi-policy discounts, and more.

Final Thoughts: Is Country Financial or Omni Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which insurance carrier is the best company for you and your specific driver profile?

Country Financial might be best for you if....

• You want to save money on your insurance after a collision.
• You have above-average credit.
• You're of retirement age and want to take advantage of lower rates.

Omni might be best for you if...

• You care about discounts (Omni offers the most).

Hopefully, this guide helps you get a good idea of the differences between Country Financial and Omni. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Country Financial and Omni. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Country Financial vs. Omni FAQs

Is Country Financial or Omni cheaper?

Country Financial is the less expensive of the two companies when looking at national average prices, with policies averaging $138 per month with Country Financial and $181 for Omni. That being said, that doesn't mean Country Financial will be the cheapest company for everyone, since there are many different variables that are considered when it comes to your insurance cost.

Who is better, Country Financial or Omni?

Unfortunately, the real answer is "it depends.". One carrier is not "better" for each policyholder -- it all boils down to your unique car insurance profile.

Why do Country Financial and Omni offer me different rates?

Insurance carriers use a lot of different factors when calculating the premiums they charge. Things such as where you call home, gender, where you park your vehicle, age, and sometimes even things like your credit score can all come into play. Both Country Financial and Omni calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if Country Financial or Omni is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Country Financial or Omni at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.